Horace Mann Educators Corporation (HMN)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Horace Mann Educators Corporation (HMN) trades at $54.16 with AI Score 97/100 (Grade A+). Horace Mann Educators Corporation is an insurance holding company focused on providing insurance and financial solutions to educators and their families. Market cap: $2.19B, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for HMN: HMN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HMN against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
HMN: 1/1 perspectives are bullish.
How is this calculated? →Horace Mann Educators Corporation (HMN) Financial Services Profile
Horace Mann Educators Corporation (HMN) is a financial services company specializing in providing insurance and retirement solutions to educators and their families in the United States. With a focus on the K-12 market, HMN differentiates itself through a dedicated sales force and tailored product offerings, operating within the competitive property & casualty insurance sector.
What Is the Investment Thesis for HMN?
Horace Mann Educators Corporation presents a notable research candidate due to its niche focus on the education market and its established distribution network. With a P/E ratio of 11.1 and a dividend yield of 3.17%, HMN offers a blend of value and income. Growth catalysts include expanding its supplemental and group benefits offerings and leveraging its student loan solutions platform to deepen customer relationships. Key risks include potential impacts from macroeconomic factors affecting the insurance industry and competition from larger, more diversified insurance companies. The company's consistent profitability, with a profit margin of 10.0%, supports its ability to generate shareholder value. Continued focus on product innovation and customer service within the education sector will be crucial for sustained growth.
Based on FMP financials and quantitative analysis
HMN Key Highlights
- Market capitalization of $2.19B indicates a solid mid-cap company within the financial services sector.
- P/E ratio of 11.1 suggests a potentially undervalued stock compared to its earnings.
- Dividend yield of 3.17% provides an attractive income stream for investors.
- Profit margin of 10.0% demonstrates the company's ability to generate profits from its operations.
- Beta of 0.05 indicates low volatility compared to the overall market, suggesting a relatively stable investment.
Who Are HMN's Competitors?
HMN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AHL Aspen Insurance Holdings Ltd | $37.50 | +0.00% | $3.44B | 50 |
| BZLYF Beazley plc | $17.30 | +0.00% | $10.23B | 70 |
| DIISY Direct Line Insurance Group plc | $18.00 | +15.16% | $5.85B | 66 |
| SKWD Skyward Specialty Insurance Group, Inc. | $59.63 | -2.91% | $2.42B | 64 |
| AII American Integrity Insurance Group, Inc. | $18.89 | -2.00% | $369.97M | 63 |
| HCXLF Hiscox Ltd | $24.93 | +3.81% | $7.98B | 62 |
| SMPNY Sompo Holdings, Inc. | $20.99 | +3.76% | $80.16B | 62 |
| QBIEY QBE Insurance Group Limited | $17.39 | -0.54% | $25.99B | 62 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HMN's Key Strengths?
- Strong brand recognition within the education community.
- Dedicated sales force focused on the K-12 market.
- Comprehensive suite of insurance and retirement products.
- Long-standing relationships with school districts.
What Are HMN's Weaknesses?
- Limited geographic diversification.
- Reliance on a single customer segment (educators).
- Smaller size compared to larger, diversified insurance companies.
- Potential impact from economic downturns on the education sector.
What Could Drive HMN Stock Higher?
- Expansion of supplemental and group benefits offerings to drive revenue growth.
- Leveraging student loan solutions platform to deepen customer relationships.
- Launch of new digital tools and platforms to enhance customer experience.
- Strategic partnerships with school districts to expand market reach.
What Are the Key Risks for HMN?
- Financial-distress signal — its Altman Z-Score of 0.01 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger insurance companies could erode market share.
- Changes in government regulations could impact the insurance industry and increase compliance costs.
- Economic downturns could negatively affect the education sector and reduce demand for insurance products.
- Rising claims costs due to natural disasters or other events could impact profitability.
What Are the Growth Opportunities for HMN?
- Expanding Supplemental and Group Benefits: Horace Mann has the opportunity to increase its market share in the supplemental and group benefits segment. The market for these products is growing as educators seek additional coverage for health-related expenses. By offering tailored products such as cancer, heart, and accident coverages, Horace Mann can attract new customers and increase revenue. The company's existing distribution network provides a competitive advantage in reaching the target market. Timeline: Ongoing.
- Leveraging Student Loan Solutions: Horace Mann's student loan solutions platform presents a significant growth opportunity. With the increasing burden of student loan debt, educators are seeking tools to manage their finances effectively. By offering online student loan management accounts, Horace Mann can attract new customers and build stronger relationships with existing clients. This platform can also be used to cross-sell other insurance and retirement products. Timeline: Ongoing.
- Enhancing Digital Capabilities: Investing in digital technologies to improve customer experience and streamline operations is crucial for future growth. This includes developing mobile apps, enhancing online portals, and using data analytics to personalize product offerings. By embracing digital transformation, Horace Mann can attract younger educators and improve customer retention. The market for digital insurance solutions is expanding rapidly. Timeline: Ongoing.
- Geographic Expansion: While Horace Mann operates nationwide, there is potential to deepen its presence in specific geographic regions. By focusing on states with large populations of educators, the company can increase its market share and revenue. This can be achieved through targeted marketing campaigns and strategic partnerships with local school districts. Timeline: 2-3 years.
- Product Innovation: Continuously developing new and innovative insurance and retirement products is essential for maintaining a competitive edge. This includes creating products that address the evolving needs of educators, such as long-term care insurance and financial planning services. By staying ahead of the curve, Horace Mann can attract new customers and retain existing ones. Timeline: Ongoing.
What Opportunities Does HMN Have?
- Expanding supplemental and group benefits offerings.
- Leveraging student loan solutions platform.
- Enhancing digital capabilities and customer experience.
- Developing new and innovative insurance products.
What Threats Does HMN Face?
- Increased competition from larger insurance companies.
- Changes in government regulations affecting the insurance industry.
- Economic downturns impacting the education sector.
- Rising claims costs due to natural disasters or other events.
What Are HMN's Competitive Advantages?
- Niche focus on the education market provides a competitive advantage.
- Dedicated sales force of full-time exclusive agents.
- Strong brand recognition and reputation within the education community.
- Long-standing relationships with school districts and educational organizations.
What Does HMN Do?
Horace Mann Educators Corporation was founded in 1945 with the mission of serving the unique insurance and financial needs of educators. The company has evolved from its initial focus on auto insurance for teachers to offering a comprehensive suite of products, including property and casualty insurance, life insurance, retirement solutions, and supplemental benefits. Horace Mann operates through three segments: Property & Casualty, which includes auto and property insurance; Life & Retirement, offering annuities and life insurance products; and Supplemental & Group Benefits, providing supplemental insurance coverages like cancer, heart, and accident policies. The company distributes its products through a dedicated sales force of full-time exclusive agents who focus solely on serving the K-12 education market. Horace Mann's headquarters are located in Springfield, Illinois, and it operates across the United States. The company's commitment to the education community has solidified its position as a trusted provider of financial security and retirement planning services for educators and their families.
What Products and Services Does HMN Offer?
- Provides auto insurance to educators and their families.
- Offers property insurance, including homeowners and renters insurance.
- Provides life insurance products, such as term and whole life policies.
- Offers retirement solutions, including fixed and variable annuities.
- Provides supplemental insurance products, such as cancer, heart, and accident coverage.
- Offers student loan solutions, including online student loan management accounts.
How Does HMN Make Money?
- Generates revenue through premiums from property and casualty insurance policies.
- Earns fees from the sale of life insurance and annuity products.
- Receives commissions from the sale of supplemental insurance products.
- Manages investments to generate returns and support insurance liabilities.
What Industry Does HMN Operate In?
Horace Mann Educators Corporation operates within the property and casualty insurance industry, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rates, economic growth, and demographic trends. Horace Mann differentiates itself by focusing on the education market, a niche that allows for targeted marketing and specialized product offerings. The overall insurance industry is experiencing growth driven by increasing awareness of risk management and the need for financial security. Competitors include large, diversified insurance companies and smaller, specialized firms.
Who Are HMN's Key Customers?
- K-12 teachers and administrators.
- Other employees of public schools.
- Families of educators.
FY2026 estForward Outlook
Wall Street analysts project Horace Mann Educators Corporation revenue of about $1.27B for fiscal 2026, with EPS near $4.53.
HMN Valuation & Market Position
With a $2.19B market cap, Horace Mann Educators Corporation sits in the mid-cap segment of the market. Relative to its peer group, HMN's quantitative score of 97/100 is above the peer average of 63/100.
ROE 11%Key Financial Metrics
Return on equity for Horace Mann Educators Corporation stands at 11.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. HMN trades at a trailing price-to-earnings ratio of 11.08, below the Financial Services sector average of ~18x. Its free cash flow yield is 22.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.15 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Horace Mann Educators Corporation's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.01 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Horace Mann Educators Corporation operates in the Insurance - Property & Casualty industry within the Financial Services sector. It is headquartered in Springfield, US. The company is led by CEO Marita Zuraitis. HMN has traded publicly since 1991.
HMN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Horace Mann's focus on educators gives them a niche, and they're deeply embedded in that community. Think of it like having a loyal customer base that's less likely to jump ship.
- Recent insider buying could signal confidence from those who know the company best. It's like the captain going down with the ship, but in a good way.
- Community sentiment seems to appreciate their tailored services for educators. It's like having a good reputation in a small town – word travels fast.
- Horace Mann's long-term strategy to cater specifically to educators could pay off as the education sector evolves. It's like betting on the future of a growing industry.
Bear Case
- The market's been volatile lately, and Horace Mann isn't immune. It's like being in a storm – even the strongest ships can get rocked.
- Some community members are worried about the impact of economic downturns on the education sector. It's like a ripple effect – when schools struggle, so does Horace Mann.
- Increased competition in the insurance and financial services space could squeeze Horace Mann's margins. It's like being a small fish in a big pond.
- Recent concerns raised in the community about the company's growth prospects could impact investor confidence. It's like a rumor spreading – it can affect the stock even if it's not entirely true.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
HMN Latest News
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Horace Mann Educators Q1 Earnings Call Highlights
marketbeat.com · May 10, 2026
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Earnings Scheduled For November 4, 2025
benzinga · Nov 4, 2025
HMN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HMN.
Price Targets
Wall Street price target analysis for HMN.
HMN MoonshotScore
What does this score mean?
The MoonshotScore rates HMN's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Marita Zuraitis
CEO
Marita Zuraitis is the Chief Executive Officer of Horace Mann Educators Corporation. She has extensive experience in the insurance industry, having held leadership positions at several major insurance companies. Her career spans over 30 years, with a focus on property and casualty insurance, as well as life and retirement solutions. Prior to joining Horace Mann, she served in executive roles at The Hanover Insurance Group and OneBeacon Insurance Group. Zuraitis holds a bachelor's degree from Boston College.
Track Record: Since becoming CEO of Horace Mann, Marita Zuraitis has focused on strengthening the company's position as a leading provider of insurance and financial solutions for educators. Key achievements include expanding the company's supplemental benefits offerings and enhancing its digital capabilities. She has also overseen the implementation of strategic initiatives to improve customer experience and drive revenue growth. Her leadership has been instrumental in maintaining Horace Mann's strong financial performance and commitment to the education community.
What Investors Ask About Horace Mann Educators Corporation (HMN) — Financial Services
What does Horace Mann Educators Corporation do?
Horace Mann Educators Corporation is an insurance holding company that focuses on providing insurance and financial solutions to educators and their families. The company operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. It offers a range of products, including auto insurance, property insurance, life insurance, annuities, and supplemental insurance coverages. Horace Mann's business model is centered around serving the unique needs of the education community through a dedicated sales force and tailored product offerings. The company distributes its products through full-time exclusive agents who focus solely on serving the K-12 education market.
What do analysts say about HMN stock?
Analyst consensus on Horace Mann Educators Corporation (HMN) is generally neutral, with expectations of steady growth driven by its niche focus on the education market. Key valuation metrics, such as the P/E ratio of 11.1, suggest a potentially undervalued stock. Growth considerations include the company's ability to expand its supplemental benefits offerings and leverage its student loan solutions platform. Analysts also monitor the company's financial performance, including revenue growth, profit margins, and dividend yield. The company's commitment to serving the education community is seen as a positive factor for long-term growth.
What are the main risks for HMN?
The main risks for Horace Mann Educators Corporation include increased competition from larger insurance companies, which could erode market share and put pressure on pricing. Changes in government regulations affecting the insurance industry could also increase compliance costs and impact profitability. Economic downturns could negatively affect the education sector, reducing demand for insurance products and impacting the company's financial performance. Additionally, rising claims costs due to natural disasters or other events could impact profitability and require the company to increase premiums.
How sensitive is HMN to interest rate changes?
Horace Mann Educators Corporation's profitability is sensitive to interest rate changes, particularly within its Life & Retirement segment. Lower interest rates can reduce the returns on the company's investment portfolio, impacting the profitability of its annuity and life insurance products. Conversely, higher interest rates can improve investment returns but may also increase the cost of borrowing and impact demand for certain products. The company actively manages its investment portfolio to mitigate the impact of interest rate fluctuations. Monitoring net interest margin sensitivity is crucial for assessing the company's financial performance.
What regulatory challenges does Horace Mann Educators Corporation face?
Horace Mann Educators Corporation faces various regulatory challenges, including compliance with state insurance regulations, capital requirements, and solvency standards. The insurance industry is heavily regulated to protect consumers and ensure the financial stability of insurance companies. Horace Mann must comply with regulations related to licensing, product filings, and claims handling. Additionally, the company must maintain adequate capital reserves to meet its obligations to policyholders. Changes in regulations can increase compliance costs and impact the company's business operations. Monitoring regulatory developments is essential for assessing the company's risk profile.
What are the key factors to evaluate for HMN?
Horace Mann Educators Corporation (HMN) holds an AI score of 97/100 (high). P/E: 11.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does HMN data refresh on this page?
HMN prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven HMN's recent stock price performance?
Horace Mann Educators Corporation (HMN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand recognition within the education community. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of the most recent reporting period.